Bikesure = Insuramongs

[Dean-J]

So, i have a Criminal conviction which means only 5 or 6 underwriters will touch me, and i pay a ridiculous premium because of that ( completely unrelated to motoring in any way, Salt meet wound).

i currently pay £550ish TPO on an 03 Yamaha Thundercat (group 14), yet when i try and quote for any other group 14 bike - no sorry we cant insure you due to your conviction?! So i asked what the criteria was that i had to meet to get a quote, and was told there is none. Yet i cant quote a Group 14 GSXR 600 ( of any age).

There must be a set limit by the underwriters as to what i can and cant insure and why, as i can insure a Bandit 1250S, 5 years newer and worth double my bike for the same price as i pay now?!

So, i already insure a group 14 bike so it cant be the insurance group thats stopping them quoting.

Cant be value as all the bikes im looking at are same or less than mine.

Its not my relative lack of experience thats doing it, they said that much.

All bikes are Cat 1 alarmed and kept in a locked garage secured to the floor.

Why is it so hard just to get a straight answer from these idiots? The Doris i was on the phone to was as much use as shit flavoured ice cream, just kept repeating the same old shit and not actually listening to what i was asking for.

If i can get a quote elsewhere, more money or not, i will be changing. Bikesure/Adrian Flux have been utterly shite from the beginning, nothing but aggro dealing with them, havent got anything right first time round, I would absolutely Dread having to make a claim with them!!

[kiddakidda]

How long do you need to declare your criminal conviction for?

It's probably best that you declared it anyway, they would have used it against you in the event of a claim.

[Dean-J]

10years, so another 6 years before i stop being penalised for it.

So much for the Rehabilition of offenders, all iv seen is penalisation.

Friggin ridiculous!

[kiddakidda]

10 Years!!! That's taking the P!$$ !!!

Money making scam I tell ya, If the offence is totally un-related why does it need to be declared for Bike Insurance?

I'm sure my insurance through Bennetts was only 5 year declaration. It won't help you this year though.

[pendulum]

I do wonder how many people declare non-motoring convictions though.
Always thought the coppers were missing a trick when they pull over 'well knowns'. They never ring to ask the insurance company if they're aware he has a list of convictions as long as his arm and to check whether his insurance is still valid.
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1998 CG125 (Sold) CB500 [+ Clio 172]
Usually_Wrong: I tend to fail more than pass. [Speaking about Theory Practice]
Usually_Wrong: im on unemployment at the moment

[anthony_r6]

Could you not get your insurance company now to allow you to ride 3rd party bikes. Get someone else to insure your GSXR and ride it that way?
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[Dean-J]

It goes on the sentence you receive. Because i got a Custodial sentence i have to declare for 10 years.

I'd have to sell my current bike to buy the Gixxer, so i wouldnt have an insurance policy ( if i said nothing that would be insurance fraud).

Stuck between a rock and a hard place really, if id lied and said nothing but actually needed to claim - Screwed. I tell the truth and get Bumraped for triple the costs of any other 26yr old bloke and cant insure the bike i actually want.

Can completely see why people dont bother declaring stuff and hope for the best!

[Nick 50]

Gixxers and R6's are generally the 2 highest permiums of the 600's. I gather there must be a statistical background that show that riders of those bikes are more likely to claim. Be it through being naughty or accidents, they are the 2 that generate the highest premium.

Now couple that with the fact that you must of done something serious to warrant a custodial sentence, is it any wonder an insurer says no?

as for:

[Dean-J]

yep. I made my choice, i got caught. I held my hands up and did my time.

HOW does that mean that a vehicle insurance company gets the right to charge me extortionate prices for insurance when what i did has NOTHING to do with motoring.

And how does my past dictate my future? it doesnt. If i was a career criminal or persistent offender, i could understand. But i did ONE thing wrong, 5 years ago and i get penalised for TEN years, how the fuck is that rehabilitating offenders?

Rehabilitating offenders is SUPPOSED to be about teaching them to be useful members of the community, stopping them from reoffending and keeping them out of the prison system, not bumming them from every fucking angle when they get released.

Im self employed because 99.9% of employers dont want to insure someone who's been to prison. My Home insurance DOUBLED when i declared my conviction, my motor insurance is TRIPLE what it would be if i didnt have a conviction, but you know what? Im still fucking honest about it, i declare it everytime im supposed to, and work my bollocks off to give my family the life they deserve.

So, if you'll kindly keep your opinions to yourself about a subject you clearly know nothing about, it would be most appreciated.

Now back on topic shall we

[lihp]

I can sympathise with op, I came off the rehabilitation of offenders act last September, and it was a nightmare, doing anything was a lot more difficult than it should be.

However, it is an incentive not to be breaking the law, rehabilitation of offenders act covers a lot more than people expect. Court issued fines and compensation are also covered. So go to court for speeding and get fined there, it should be declared as an offense under the rehabilitation of offenders act for 5 years.

[Nick 50]

[J4mes]

I guess the insurance firms statistics (lies, damn lies and statistics) will show that convicted criminals on GSXR's are more of a risk than those who aren't.

Stick with the thundercat, it's a great bike. What is the gixer gonna give you that the thundercat can't, and which you won't get bored with or used to in a few months time?

[RealNinja]

Its possible that the insurance rats make a character assesment based on your conviction, in the same way that being married/house/kids/employed will deem you to be a 'stand up citizen' and less likely to do something dodgy, the conviction may be singling you out as more likey to do something dodgy than Mr. Stand-Up citizen.

I'm not saying you are dodgy btw, just offering possibility.


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[Dean-J]

[U_W v2.0]

sorry dude, but this is BCF, everyone judges each other, everyone insults each other, its a cesspit of fecal matter and well, thats just life.

if you want to survive here, you gotta get used to it. i've had my share of greif from this lot, but they are decent enough IF you adjust to the....well complete lack of moderation and freedom of thought and speech that goes on here lol.

should you get penalised for something over a 10 year period? well it largely depends on what it was you was sent down for. as said, fraud will make them run a mile. theft: who's to say your not stealing bike parts and putting them on your bike? insurers wont want to know if they find out. murder: big crotch rocket, kid in the road = arrow + target.

also, im with bikesure and they seem alright so far. guess i'll find out when i crash my bike or something else happens lol

p.s no offence to anyone here. none intended, aimed at or otherwise intended to cause offence to any single or multitude of people!
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[L-Jam]

What did you do?
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[Nick 50]

[sidewinder]

[TheBikerStig]

[Kwaks]

op wont like this.


You did something wrong to someone else. You got caught. You got handed a punishment of incarceration AND declaring the conviction for 10 years. You did the crime, now complete your time.

So what you can't buy the bike you want because of insurance, lots of people cant.

Until your crime has been "paid" for in full whats the point in bitching about it? Obviously you will think the punishment too harsh, wonder if the victim would feel the same.
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[mikester]

I hope he was a sex offender, that'd really brighten this thread up

[Dean-J]

Lol at some of the comments.

No sex offenders here im afraid, and nor was there a "victim" to my crime.
I didnt steal anything, defraud anyone, nor did i hurt anyone. I am no scumbag, i simply made a bad choice to make a quick buck.

Draw from that what you will...but what i did is my business and mine alone. Im open enough about it in person as one or two from here know, yet i dont feel the need to publically broadcast what i did on an internet forum full of people i will most likely never meet.

Yes i accept that there are consequences to actions, and i stood up and accepted them and have since built a life for myself and my family that many would be lucky to have. The problem is, the system in this country makes it so hard for people to do what i have done, to live a legitimate life, that many simply give up and return to crime.

See its real easy to be judgemental and see things in black and white when they dont affect you, but when the boot is on the other foot you would all feel differently im sure. Imagine for eg, some chap pushes your missus over on a night out, and in the heat of the moment protecting her, you knock the bloke out. You get done for it and have to spend the next 10years of your life paying ridiculously over inflated insurance premiums as a result.... would you think that was fair or right?

Anywhoo, whatever. If you were in my position im sure you would feel the same, but your not, so you dont.

[U_W v2.0]

so claming JSA or disability while working?

seems a fairly legit assumption from whats been said
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[Dean-J]

That would be covered under fraud. so No.

[Kwaks]

I didnt steal anything, defraud anyone, nor did i hurt anyone. I am no scumbag, i simply made a bad choice to make a quick buck.


Hard to see how you can make a quick buck illegaly without hurting someone.

I have no problems when someone serves their punishment and come out rehabilitated, however if you are still complaining about the ongoing punishment then you are not rehabilitated yet. Yeah for some crimes the punishment may seem a bit harsh,however punishments have to fit in to categories to be workable and semi consistant. There is no victemless crime.
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Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!